US 9,852,424 B2Granted

Speaker recognition and denial of a transaction based on matching a known voice print

AssigneeIII Holdings 1, LLC

InventorsVicki Broman, Vernon Marshall, Seshasayee Bellamkonda, Marcel Leyva, Cynthia Hanson

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Abstract

One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

Claims12

Dependent claims

A method of verifying an identity of a customer in communication with a service center, comprising:

receiving, by a security processing server from a service center device, information indicative of an audio recording of at least part of a communication between the customer and the service center, wherein the audio recording includes both a voice of the customer and a human or electronic voice associated with the service center;
identifying, by the security processing server, a portion of the audio recording corresponding to the voice of the customer;
extracting, by the security processing server, a voice print of the customer from the portion of the audio recording corresponding to the voice of the customer;
comparing, by the security processing server, the voice print of the customer with a plurality of voice prints stored in a database, wherein the plurality of voice prints are associated with persons previously identified as having committed fraud;
the security processing server determining whether the voice print of the customer matches any of the plurality of voice prints associated with persons previously identified as having committed fraud;
based at least in part on a determination that the voice print of the customer does not match any of the plurality of voice prints associated with persons previously identified as having committed fraud, the security processing server verifying the identity of the customer;
and
sending, by the security processing server to the service center device, an indication that the identity of the customer has been verified.

5 more elements

A non-transitory computer-readable medium having instructions stored thereon that are executable by a security processing server system to cause the system to perform operations comprising:

receiving, from a device associated with a service center, information indicative of an audio recording of at least part of a communication between a customer and the service center, wherein the audio recording includes both a voice of the customer and a human or electronic voice associated with the service center;
identifying a portion of the audio recording corresponding to the voice of the customer;
extracting a voice print of the customer from the portion of the audio recording corresponding to the voice of the customer;
comparing the voice print of the customer with a plurality of voice prints stored in a database, wherein the plurality of voice prints correspond to persons previously:
identified as having committed fraud;
determining whether the voice print of the customer matches any of the plurality of voice prints associated with persons previously identified as having committed fraud;
based at least in part on a determination that the voice print of the customer does not match any of the plurality of voice prints associated with persons previously-identified as having committed fraud, verifying an identity of the customer;
and
sending, to the device associated with the service center, an indication that the identity of the customer has been verified.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/826,607Filed 14 Aug 2015 · continuation
Priority: 30 May 2003
Published: US 2016/0042349 A111 Feb 2016
Granted: 26 Dec 2017
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06Q 20/341
Using cards, e.g. integrated circuit [IC] cards or magnetic cards: active cards, i.e. cards including their own processing means, e.g. including…
G06Q 20/3558
Personalisation of cards for use: preliminary personalisation for transfer to user
G06Q 20/382
Payment protocols; Details thereof: insuring higher security of transaction

Family

Application10/448,552Parent of this continuation · filed 30 May 2003
Application11/862,079Parent of this continuation · filed 26 Sep 2007
US 7,299,177 B2Parent of this continuation · filed 20 Nov 2007
Application12/832,925Parent of this continuation · filed 8 Jul 2010
US 7,778,832 B2Parent of this continuation · filed 17 Aug 2010
Application13/227,219Parent of this continuation · filed 7 Sep 2011
US 8,036,892 B2Parent of this continuation · filed 11 Oct 2011
US 2016/0042349 A1Pre-grant publication · published 11 Feb 2016
US 9,111,407 B2Parent of this continuation
US 2004/0240631 A1Published application
US 2008/0010066 A1Published application
US 2010/0278317 A1Published application
US 2011/0320200 A1Published application
US 9,852,424 B2This patent

From the US filing history. Foreign family members aren’t listed.